/* ============================================
   CITYFINSOL DESIGN TOKENS
   Brand colors from logo:
     Orange  #F7941D
     Navy    #003087
   ============================================ */
:root {
  /* Background & surface */
  --color-bg:           #F5F6F8;
  --color-surface:      #FFFFFF;
  --color-border:       #E1E4EA;
  --color-border-strong:#C7CCD6;

  /* Text */
  --color-text:         #1A2233;
  --color-text-muted:   #667085;
  --color-text-faint:   #98A2B3;

  /* Brand – Navy (primary) */
  --color-primary:      #003087;
  --color-primary-dark: #00225F;
  --color-primary-light:#E6EBF5;

  /* Brand – Orange (accent / CTA) */
  --color-accent:       #F7941D;
  --color-accent-dark:  #D97B0A;
  --color-accent-light: #FEF3E2;

  /* Status */
  --color-success:      #1F9D66;
  --color-success-bg:   #E9F8F1;
  --color-error:        #D14343;
  --color-error-bg:     #FDECEC;

  /* Typography */
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Shape */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;

  /* Shadow */
  --shadow-sm: 0 1px 3px rgba(16, 24, 40, 0.07);
  --shadow-md: 0 4px 18px rgba(16, 24, 40, 0.09);
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--color-bg);
  color: var(--color-text);
  font-family: var(--font-body);
  font-size: 15px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--color-primary); }

/* ============================================
   SITE HEADER
   ============================================ */
.site-header {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.site-header__inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 12px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.site-logo { display: inline-flex; align-items: center; text-decoration: none; }
.site-logo__img {
  height: 48px;
  width: auto;
  display: block;
}
.site-nav { display: flex; gap: 28px; }
.site-nav a {
  color: var(--color-text-muted);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: color 0.15s;
}
.site-nav a:hover { color: var(--color-primary); }

/* Hamburger toggle (mobile) */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 22px;
  color: var(--color-primary);
  cursor: pointer;
  padding: 6px;
  line-height: 1;
  border-radius: var(--radius-sm);
  transition: background 0.15s;
}
.nav-toggle:hover { background: var(--color-primary-light); }

/* Mobile nav drawer */
.site-nav--mobile {
  display: none;
  flex-direction: column;
  background: var(--color-surface);
  padding: 8px 24px 16px;
  border-top: 1px solid var(--color-border);
}
.site-nav--mobile a {
  display: block;
  padding: 10px 0;
  color: var(--color-text-muted);
  text-decoration: none;
  font-size: 15px;
  font-weight: 500;
  border-bottom: 1px solid var(--color-border);
}
.site-nav--mobile a:last-child { border-bottom: none; }
.site-nav--mobile.is-open { display: flex; }

@media (max-width: 680px) {
  .site-nav { display: none; }
  .nav-toggle { display: block; }
}

/* ============================================
   SITE FOOTER
   ============================================ */
.site-footer {
  background: var(--color-primary-dark);
  color: #B5C4D9;
  margin-top: 64px;
}
.site-footer__inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 28px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.site-footer__logo-img {
  height: 36px;
  width: auto;
  filter: brightness(0) invert(1) opacity(0.85);
}
.site-footer__copy { font-size: 13px; margin: 0; }
.site-footer__links { display: flex; gap: 20px; }
.site-footer__links a {
  color: #B5C4D9;
  text-decoration: none;
  font-size: 13px;
  transition: color 0.15s;
}
.site-footer__links a:hover { color: #fff; }

@media (max-width: 580px) {
  .site-footer__inner { flex-direction: column; align-items: flex-start; }
}

/* ============================================
   LOAN FORM SECTION
   ============================================ */
.loan-section { padding: 52px 20px 72px; }
.loan-container { max-width: 780px; margin: 0 auto; }

.loan-intro { margin-bottom: 32px; }
.loan-eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--color-accent);
  margin: 0 0 8px;
}
.loan-intro h1 {
  font-size: clamp(24px, 4vw, 32px);
  font-weight: 700;
  color: var(--color-primary-dark);
  margin: 0 0 10px;
  line-height: 1.2;
}
.loan-sub {
  color: var(--color-text-muted);
  margin: 0;
  font-size: 14px;
  max-width: 54ch;
}

/* ============================================
   PROGRESS INDICATOR
   ============================================ */
.progress-track { margin-bottom: 36px; }
.progress-steps {
  list-style: none;
  display: flex;
  justify-content: space-between;
  padding: 0;
  margin: 0 0 14px;
}
.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  flex: 1;
}
.progress-step__dot {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--color-surface);
  border: 2px solid var(--color-border-strong);
  color: var(--color-text-faint);
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s ease;
}
.progress-step__label {
  font-size: 11px;
  color: var(--color-text-faint);
  font-weight: 500;
  text-align: center;
  display: none;
}
.progress-step.is-active .progress-step__dot {
  border-color: var(--color-primary);
  color: var(--color-surface);
  background: var(--color-primary);
}
.progress-step.is-active .progress-step__label { color: var(--color-primary); font-weight: 600; }
.progress-step.is-complete .progress-step__label { color: var(--color-text-muted); }
.progress-step.is-complete .progress-step__dot {
  border-color: var(--color-success);
  background: var(--color-success);
  color: #fff;
}
@media (min-width: 520px) {
  .progress-step__label { display: block; }
}
@media (min-width: 680px) {
  .progress-step__label { font-size: 12px; }
}

.progress-bar {
  height: 5px;
  background: var(--color-border);
  border-radius: 5px;
  overflow: hidden;
}
.progress-bar__fill {
  height: 100%;
  width: 25%;
  background: linear-gradient(90deg, var(--color-accent), var(--color-primary));
  border-radius: 5px;
  transition: width 0.35s ease;
}

/* ============================================
   FORM CARD / STEPS
   ============================================ */
#loanForm {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 40px;
}
@media (max-width: 600px) {
  #loanForm { padding: 24px 18px; border-radius: var(--radius-md); }
}

.form-step { display: none; animation: fadeSlideIn 0.28s ease; }
.form-step.is-active { display: block; }
@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0);   }
}

.step-title {
  font-size: clamp(20px, 3vw, 25px);
  font-weight: 700;
  color: var(--color-primary-dark);
  margin: 0 0 6px;
  line-height: 1.25;
}
.step-desc {
  color: var(--color-text-muted);
  margin: 0 0 28px;
  font-size: 14px;
}

.subsection-title {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--color-primary);
  margin: 30px 0 16px;
  padding-top: 22px;
  border-top: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  gap: 10px;
}
.subsection-title--first { margin-top: 0; padding-top: 0; border-top: none; }
.optional-tag {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-faint);
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  padding: 2px 8px;
  border-radius: 100px;
}

/* ============================================
   FIELDS
   ============================================ */
.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
@media (max-width: 580px) {
  .field-grid { grid-template-columns: 1fr; }
}
.field--full { grid-column: 1 / -1; }

.field { display: flex; flex-direction: column; gap: 5px; }

label {
  font-size: 13px;
  font-weight: 600;
  color: var(--color-text);
  line-height: 1.4;
}
.req { color: var(--color-error); margin-left: 1px; }

input[type="text"],
input[type="tel"],
input[type="email"],
input[type="number"],
input[type="date"],
select {
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--color-text);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-sm);
  padding: 10px 13px;
  outline: none;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  width: 100%;
  -webkit-appearance: none;
}
input:focus-visible,
select:focus-visible {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(247, 148, 29, 0.18);
}
input[readonly] {
  background: var(--color-bg);
  color: var(--color-text-muted);
  cursor: not-allowed;
}

select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23667085' stroke-width='1.6' fill='none' fill-rule='evenodd'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 13px center;
  padding-right: 34px;
  cursor: pointer;
}

.hint {
  font-size: 12px;
  color: var(--color-text-faint);
  line-height: 1.4;
}

.error-msg {
  display: none;
  font-size: 12px;
  color: var(--color-error);
  font-weight: 500;
  line-height: 1.4;
}
.field.has-error input,
.field.has-error select {
  border-color: var(--color-error);
  background: var(--color-error-bg);
}
.field.has-error .error-msg { display: block; }
.field.has-error .hint { display: none; }

/* Option cards (loan type, employment status) */
.option-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-top: 6px;
}
.option-cards--two { grid-template-columns: 1fr 1fr; }
@media (max-width: 640px) {
  .option-cards { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 400px) {
  .option-cards,
  .option-cards--two { grid-template-columns: 1fr; }
}

.option-card {
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-md);
  padding: 13px 14px;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 9px;
  transition: border-color 0.15s ease, background 0.15s ease;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--color-text-muted);
  user-select: none;
}
.option-card:hover {
  border-color: var(--color-accent);
  color: var(--color-text);
}
.option-card input {
  accent-color: var(--color-accent);
  width: 15px;
  height: 15px;
  flex-shrink: 0;
}
.option-card:has(input:checked) {
  border-color: var(--color-accent);
  background: var(--color-accent-light);
  color: var(--color-primary-dark);
}

.conditional-block { margin-top: 0; }

/* Location detect */
.location-note {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}
.location-note > span { font-size: 13px; color: var(--color-text-muted); }
.btn-ghost-sm {
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  color: var(--color-primary);
  background: var(--color-primary-light);
  border: 1px solid var(--color-primary-light);
  border-radius: var(--radius-sm);
  padding: 8px 15px;
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.15s, border-color 0.15s;
}
.btn-ghost-sm:hover { background: #D4E0F3; border-color: #D4E0F3; }

/* ============================================
   DOCUMENT UPLOAD
   ============================================ */
.doc-upload-list { display: flex; flex-direction: column; gap: 12px; }
.doc-upload-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  flex-wrap: wrap;
  transition: border-color 0.15s;
}
.doc-upload-row:hover { border-color: var(--color-accent); }
.doc-upload-row__info { display: flex; flex-direction: column; gap: 2px; }
.doc-upload-row__title { font-weight: 600; font-size: 14px; color: var(--color-text); }
.doc-upload-row__hint { font-size: 12px; color: var(--color-text-faint); }
.doc-upload-row__status {
  display: block;
  font-size: 12px;
  font-weight: 600;
  margin-top: 4px;
  min-height: 18px;
}
.doc-upload-row__status.is-valid { color: var(--color-success); }
.doc-upload-row__status.is-invalid { color: var(--color-error); }
.doc-upload-row__status.is-checking { color: var(--color-text-muted); }
.doc-upload-row.is-invalid { border-color: var(--color-error); background: var(--color-error-bg); }
.doc-upload-row.is-valid { border-color: var(--color-success); }

.pending-upload-banner {
  background: #FFF8E6;
  border: 1px solid #F5D78E;
  color: #7A5B00;
  border-radius: var(--radius-md);
  padding: 14px 16px;
  margin-bottom: 16px;
  font-size: 13px;
  line-height: 1.5;
}
.pending-upload-banner strong { display: block; margin-bottom: 4px; }

.file-drop {
  position: relative;
  cursor: pointer;
  font-size: 13px;
  font-weight: 600;
  color: var(--color-primary);
  background: var(--color-primary-light);
  border: 1.5px dashed var(--color-primary);
  border-radius: var(--radius-sm);
  padding: 9px 16px;
  min-width: 180px;
  text-align: center;
  transition: background 0.15s, border-color 0.15s;
}
.file-drop:hover { background: #D4E0F3; border-color: var(--color-accent); }
.file-drop input[type="file"] {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
  width: 100%;
}
.file-drop__text.has-file { color: var(--color-success); }

/* ============================================
   REVIEW STEP
   ============================================ */
.review-summary {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 14px;
}
.review-group {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.review-group__title {
  background: var(--color-primary-light);
  padding: 9px 16px;
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-primary);
  border-bottom: 1px solid var(--color-border);
}
.review-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 9px 16px;
  font-size: 13px;
  border-bottom: 1px solid var(--color-border);
  flex-wrap: wrap;
}
.review-row:last-child { border-bottom: none; }
.review-row__label { color: var(--color-text-muted); }
.review-row__value { color: var(--color-text); font-weight: 500; text-align: right; }
.review-empty {
  padding: 16px;
  font-size: 13px;
  color: var(--color-text-faint);
  text-align: center;
}

.consent-block {
  border-top: 1px solid var(--color-border);
  padding-top: 22px;
  margin-top: 10px;
}
.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13.5px;
  color: var(--color-text-muted);
  cursor: pointer;
  line-height: 1.5;
}
.checkbox-row input {
  margin-top: 3px;
  width: 17px;
  height: 17px;
  accent-color: var(--color-accent);
  flex-shrink: 0;
  cursor: pointer;
}
.checkbox-row a { color: var(--color-accent); font-weight: 600; }

/* ============================================
   NAV BUTTONS
   ============================================ */
.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 36px;
  padding-top: 22px;
  border-top: 1px solid var(--color-border);
  gap: 12px;
  flex-wrap: wrap;
}
button {
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  border-radius: var(--radius-sm);
  padding: 11px 26px;
  cursor: pointer;
  border: none;
  transition: background 0.15s ease, opacity 0.15s ease, transform 0.1s ease;
  white-space: nowrap;
}
button:active { transform: translateY(1px); }

.btn-primary {
  background: var(--color-accent);
  color: #fff;
  margin-left: auto;
  box-shadow: 0 2px 8px rgba(247, 148, 29, 0.25);
}
.btn-primary:hover { background: var(--color-accent-dark); }

.btn-secondary {
  background: var(--color-surface);
  color: var(--color-text);
  border: 1.5px solid var(--color-border-strong);
}
.btn-secondary:hover { border-color: var(--color-text-muted); }
.btn-secondary:disabled { opacity: 0.45; cursor: not-allowed; }

@media (max-width: 380px) {
  .form-nav { flex-direction: column; }
  .form-nav .btn-primary { margin-left: 0; width: 100%; }
  .form-nav .btn-secondary { width: 100%; }
}

/* ============================================
   SUCCESS PANEL
   ============================================ */
.success-panel {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 52px 40px;
  text-align: center;
}
@media (max-width: 580px) {
  .success-panel { padding: 32px 20px; }
}
.success-icon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--color-success-bg);
  color: var(--color-success);
  font-size: 30px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.success-panel h2 {
  font-size: 24px;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin: 0 0 10px;
}
.success-panel > p {
  color: var(--color-text-muted);
  max-width: 48ch;
  margin: 0 auto 22px;
  font-size: 14px;
}
.success-payload {
  text-align: left;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 18px;
  font-size: 12px;
  line-height: 1.65;
  max-height: 340px;
  overflow: auto;
  margin: 0 0 26px;
  white-space: pre-wrap;
  word-break: break-word;
  font-family: "Courier New", Courier, monospace;
}

.success-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  text-align: left;
  margin: 0 auto 22px;
  max-width: 520px;
}
@media (max-width: 480px) {
  .success-details { grid-template-columns: 1fr; }
}
.success-detail {
  background: var(--color-success-bg);
  border: 1px solid #B8E8D0;
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}
.success-detail__label {
  display: block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
  margin-bottom: 4px;
}
.success-detail__value {
  font-size: 14px;
  font-weight: 600;
  color: var(--color-primary-dark);
  word-break: break-all;
}

.loading-overlay {
  position: fixed;
  inset: 0;
  background: rgba(26, 34, 51, 0.45);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.loading-overlay__box {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 32px 40px;
  text-align: center;
  box-shadow: var(--shadow-md);
  min-width: 260px;
}
.loading-spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--color-border);
  border-top-color: var(--color-accent);
  border-radius: 50%;
  margin: 0 auto 16px;
  animation: spin 0.8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.loading-overlay__text {
  margin: 0;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-text);
}

.api-error-banner {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  background: var(--color-error-bg);
  border: 1px solid #F5C2C2;
  color: var(--color-error);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  margin-bottom: 20px;
  font-size: 14px;
  font-weight: 500;
}
.api-error-banner__close {
  background: none;
  border: none;
  font-size: 20px;
  line-height: 1;
  color: var(--color-error);
  padding: 0 4px;
  cursor: pointer;
  flex-shrink: 0;
}